Citizens State Bank: Yields and Funding Costs
Data as of · Call Report Schedules RI and RC-K How we update
What the bank earns on its assets, what it pays for its funding, and the spread between them. Net interest margin is the output of the two: it is the engine of earnings for almost every commercial bank.
Compared with Q1 2026, Net interest margin rose 0.27 percentage points in Q2 2026 to 4.57%, the biggest move on this page. Citizens State Bank ranks 103rd of 345 Texas banks on net interest margin, in the upper half at 4.57% (Q2 2026). Citizens State Bank reported 4.57% on net interest margin for Q2 2026, 0.62 points above the 3.95% median for banks in the $100M-1B asset tier.
Asset yields
| Line item | Q2 2026 |
|---|---|
| Yield on earning assets | 6.67% |
| Yield on loans | — |
| Yield on securities | — |
Funding costs
| Line item | Q2 2026 |
|---|---|
| Cost of funds | 2.28% |
| Cost of interest-bearing deposits | 2.96% |
| Cost of interest-bearing liabilities | 2.96% |
| Cost of borrowings | — |
Spread and margin
| Line item | Q2 2026 |
|---|---|
| Net interest margin | 4.57% |
| Yield to cost spread | 3.71% |
Interest income and expense
| Line item | Q2 2026 |
|---|---|
| Interest income on loans | $3.8M |
| Total interest expense | $1.4M |
| Interest expense on deposits | $1.4M |
Yields and Funding Costs trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Yields and Funding Costs by quarter
| Quarter | Yield on earning assets | Cost of funds | Net interest margin |
|---|---|---|---|
| Q3 2023 | 5.94% | 2.27% | 3.82% |
| Q4 2023 | 6.20% | 2.53% | 3.84% |
| Q1 2024 | 6.40% | 2.56% | 3.97% |
| Q2 2024 | 6.60% | 2.60% | 4.18% |
| Q3 2024 | 6.75% | 2.76% | 4.17% |
| Q4 2024 | 6.84% | 2.61% | 4.40% |
| Q1 2025 | 6.77% | 2.36% | 4.57% |
| Q2 2025 | 6.89% | 2.47% | 4.58% |
| Q3 2025 | 6.75% | 2.60% | 4.33% |
| Q4 2025 | 6.62% | 2.52% | 4.26% |
| Q1 2026 | 6.47% | 2.31% | 4.30% |
| Q2 2026 | 6.67% | 2.28% | 4.57% |
Citizens State Bank yields and funding costs, all the way back
Yields and Funding Costs back to 2001 · peer percentiles on every line item · Excel export
Unlock Citizens State Bank, freeSource: Call Report Schedules RI and RC-K, as filed with the FFIEC and standardized by BankRegReports. Dollar amounts are as reported, point-in-time; income statement items are year-to-date through the report date. See the full Citizens State Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 15519) · FFIEC NIC profile (RSSD 296755)